Search found 18166 matches

by VictoriaF
Fri Sep 21, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 57
Views: 1986

Re: [Credit freezes and un-freezes are now free]

Earlier today, Brian Krebs has posted a detailed primer to freezing (and unfreezing):
https://krebsonsecurity.com/2018/09/cre ... age-begin/

The article contains links to all CRAs and discusses other places where freezes are recommended.

Victoria
by VictoriaF
Fri Sep 21, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Buying secondary market TIPS via Vanguard Brokerage
Replies: 7
Views: 441

Buying secondary market TIPS via Vanguard Brokerage

I purchased some TIPS on auctions and secondary market ten years ago. At that time, I figured it out, but without practice have forgotten how I did it. Now that 5-year TIPS are yielding about 0.9%, almost as much as 30-year TIPS, I want to buy some. I have some basic questions as follows: 1. Can I b...
by VictoriaF
Fri Sep 21, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9277

Re: How real is cyber risk?

Concerns about security of SMS are overblown. Well over 99.999% of people will never have their phone number ported out by a malicious actor, a couple of well-publicized celebrity cases notwithstanding. For them, using SMS as a second factor is a HUGE improvement over not having a second factor at ...
by VictoriaF
Fri Sep 21, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9277

Re: How real is cyber risk?

Concerns about security of SMS are overblown. Well over 99.999% of people will never have their phone number ported out by a malicious actor, a couple of well-publicized celebrity cases notwithstanding. For them, using SMS as a second factor is a HUGE improvement over not having a second factor at ...
by VictoriaF
Thu Sep 20, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional TSP and Roth TSP
Replies: 16
Views: 1432

Re: Traditional TSP and Roth TSP

Gee, thanks for all the info. Yes, I live in Florida. Work for the VA. I guess traditional TSP is the way to go as I am getting older than I would like to admit. I spent my life being stupid and wasting time and money, so I figure I better get my ass in gear for retirement or later on I will be sor...
by VictoriaF
Thu Sep 20, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11093

Re: Did you really have something to retire to?

I unequivocally retired "to" solid plans. And I would not have it any other way. 1. I had numerous interests that I could not attend to while I was working. 2. My guiding principle was Benjamin Franklin's maxim that "failing to plan is planning to fail." 3. I followed Stephen Covey's "big rocks" mod...
by VictoriaF
Thu Sep 20, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9277

Re: How real is cyber risk?

Here is an excellent recent article "Before You Turn On Two-Factor Authentication…" Aug 14, 2018, https://medium.com/@stuartschechter/bef ... 148cc5b9a1

Victoria
by VictoriaF
Thu Sep 20, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2815
Views: 561302

Re: What's Your Credit Card Rewards Strategy?

I am thinking of canceling my Chase Sapphire Preferred (CSP) card, because I have two other cards that perform CSP's functions: - Chase Ink Preferred has 3x on travel expenses - Chase Ink Cash has 2x on restaurants Chase Ink Preferred allows me to: - book on the Chase portal at 1.25 redemption rate...
by VictoriaF
Wed Sep 19, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 224
Views: 15430

Re: What is your single most expensive mistake?

$17.50 for a cancelled Amtrak ticket. If I waited until last week, it would have been free due to the weather delays.

Victoria
by VictoriaF
Tue Sep 18, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank used to be more customer focused
Replies: 46
Views: 5844

Re: Chase Bank is the Devil

I manually enter my CC transactions into my own XLS log. I don't trust QuickBooks or any other software to keep track of my expenses. As for Chase, my Chase credit card bonuses have already paid for several trips to Europe and will pay for many more. If Chase Bank is the Devil, I am a Devil Worshipe...
by VictoriaF
Tue Sep 18, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9277

Re: How real is cyber risk?

Cyber Risk is so real that there will be an entire week on 15-19 October 2019, full of cyber security events in D.C.: CyberWeek by CyberScoop https://www.cyberscoop.com/events/dc-cyberweek/2018/ . I have signed for several events including a session with the Israeli cybersecurity experts.

Victoria
by VictoriaF
Tue Sep 18, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2815
Views: 561302

Re: What's Your Credit Card Rewards Strategy?

Here is a link to the Heathrow free local bus route: https://www.heathrow.com/file_source/Heathrow/Static/PDF/Transport_and_directions/travel_around_Heathrow.pdf And yeah, "free" means you just get on the bus at the T2/T3 bus station and get off in front of the Ibis Styles. No money or bus pass nee...
by VictoriaF
Tue Sep 18, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2815
Views: 561302

Re: What's Your Credit Card Rewards Strategy?

The Heathrow hotels have always tended to be cheap on weekends when occupancy rates are lower. For business travel, I'm often flying on a Saturday where I'm at my destination city on Sunday afternoon ready to work on a Monday and I tend to do the same with leisure flights so it's not a traffic jam ...
by VictoriaF
Mon Sep 17, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6760

Re: Is there such thing as saving TOO much?

There is not such a thing as saving too much. There is such a thing as spending too little. If you need $60k to live a healthy balance life and you earn $100k, you save $40k(*). If you earn $200k, you save $140k. If you earn $600k, you save $540k. None of these savings are too much. (*) I am making ...
by VictoriaF
Mon Sep 17, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 58
Views: 5428

Re: I see now why Rollovers can take FOREVER ....

unclescrooge wrote:
Sun Sep 16, 2018 5:54 pm
I was trying to help my cousin roll over a CD IRA from Wells Fargo about 4 years ago.
I have some IRA CDs in credit unions. Are you saying that getting these money back to Vanguard would be a problem?

Victoria
by VictoriaF
Mon Sep 17, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap Flights
Replies: 23
Views: 2223

Re: Cheap Flights

Not sure what city you are in, but I always seem to find good deals on Frontier. Won't be a comfortable ride, but always cheap and can play around with prices if you can fly on different days. Southwest has good deals usually too! I recently had my first round-trip on Frontier, and a friend had a r...
by VictoriaF
Mon Sep 17, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: How to start a website?
Replies: 12
Views: 1246

Re: How to start a website?

Yes you *can* get your domain name registration at the same place you host your site - like GoDaddy or wherever - but I always recommend my clients *not* do that. When you mix the two, it can be hard to untangle them when, for example, you want to change hosting providers. Newbies in particular sho...
by VictoriaF
Mon Sep 17, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2815
Views: 561302

Re: What's Your Credit Card Rewards Strategy?

I did not know about non -red eye flights to Europe. Thank you for mentioning them! There are day flights to London-Heathrow from Boston, JFK, Newark, Chicago, and Dulles. Using British Airways and American FT points from BOS or JFK, you can connect the next day to wherever you're going in Europe f...
by VictoriaF
Mon Sep 17, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52497

Re: That Extravagant Thing You Do

Extravagance is in the eyes of the beholder. For many years, I was priding myself on flying economy. Then I found an inexpensive business class flight for an over-night flight to Frankfurt, which I will use later this month. Two days ago, I was booking a short winter trip to Vienna and decided to u...
by VictoriaF
Mon Sep 17, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2815
Views: 561302

Re: What's Your Credit Card Rewards Strategy?

Should I go ahead and cancel CSP? Or am I missing some of its features that are not covered by my other cards? I keep reading that business cards are not subject to the same consumer protection laws as personal consumer cards. I don’t know what that means in practice, but it might worth investigati...
by VictoriaF
Mon Sep 17, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2815
Views: 561302

Re: What's Your Credit Card Rewards Strategy?

Downgrades and upgrades usually don't get bonuses. While true, Victoria mentioned that she's ineligible for a Sapphire bonus until February 2020. She could happily switch between products until January 2020 without worrying about bonuses. I am at a very low count of recent credit cards, only 2/24, ...
by VictoriaF
Mon Sep 17, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2815
Views: 561302

Re: What's Your Credit Card Rewards Strategy?

I have a Chase United Explorer card I used to get early boarding until I hit elite FT status last March. I need to remember to cancel that card before the 1 year anniversary in November when I get socked with a fee. I keep Chase United Explorer to get early boarding and bring a carry-on, when I fly...
by VictoriaF
Mon Sep 17, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2815
Views: 561302

Re: What's Your Credit Card Rewards Strategy?

This thread reminded me to apply for a Citi AAdvantage card to game the bonus deal. I use those miles on British Airways Boston-LHR morning flights so I don't have to take a red eye to get to Europe. Should be in my mailbox in another week or so. I should have no problem pushing $2,500 through the ...
by VictoriaF
Mon Sep 17, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2815
Views: 561302

Re: What's Your Credit Card Rewards Strategy?

I am thinking of canceling my Chase Sapphire Preferred (CSP) card, because I have two other cards that perform CSP's functions: - Chase Ink Preferred has 3x on travel expenses - Chase Ink Cash has 2x on restaurants Chase Ink Preferred allows me to: - book on the Chase portal at 1.25 redemption rate...
by VictoriaF
Sun Sep 16, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2815
Views: 561302

Re: What's Your Credit Card Rewards Strategy?

I am thinking of canceling my Chase Sapphire Preferred (CSP) card, because I have two other cards that perform CSP's functions: - Chase Ink Preferred has 3x on travel expenses - Chase Ink Cash has 2x on restaurants Chase Ink Preferred allows me to: - book on the Chase portal at 1.25 redemption rate,...
by VictoriaF
Sat Sep 15, 2018 3:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 146
Views: 42052

Re: Master thread for Washington DC Area Bogleheads

SGM wrote:
Sat Sep 15, 2018 10:28 am
Have there been any discussions of the impact of the tax law changes? I would take you all out to dinner but my first delayed SS payment doesn't come until next week. :wink:
SGM, I am so sorry about your financial hardship. May I buy you a dinner tomorrow?

Victoria
by VictoriaF
Sat Sep 15, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 53
Views: 4970

Re: Ray Dalio’s latest fearmongering round

It’s interesting that some of his proposed bad scenarios are specially toxic to BogleHeads principles: Bonds are for safety No need for currency diversification away from dollar It won’t just be a debt problem this time around, he said, but rather a story about unfunded pension and health-care obli...
by VictoriaF
Sat Sep 15, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: When to Retire
Replies: 48
Views: 6671

Re: When to Retire

HomerJ wrote:
Sat Sep 15, 2018 3:04 pm
jehovasfitness wrote:
Fri Sep 14, 2018 6:30 pm
Someone bumped a 7 yr old thread. Whatever happened?
Yeah, the fact that I once watched a TJ Hooker rerun needs to stay lost on the Internet, not brought to the front page again.
Be glad that we have not revived your watching hookers. Just kidding.

Victoria
by VictoriaF
Fri Sep 14, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: When to Retire
Replies: 48
Views: 6671

Re: When to Retire

Barb, If you are asking for permission to retire at 65, I’m happy to give it to you. Sounds like you’re burning out. If you think you and DH can afford to live, just do it. Be prudent financially. Life is sometimes shorter than you think. Personally, my retirement years have been wonderful. Good lu...
by VictoriaF
Fri Sep 14, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 70
Views: 4937

Re: Shorts in Egypt

Shorts are a crime against elegance.

Victoria
by VictoriaF
Fri Sep 14, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9277

Re: How real is cyber risk?

3funder wrote:
Fri Sep 14, 2018 5:24 pm
I don't lose sleep over it.
Losing sleep is not a recommended mitigation for cyber risk. 2FA and other methods recommended above are.

Victoria
by VictoriaF
Fri Sep 14, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9277

Re: How real is cyber risk?

I think the header says it. I have heard that the biggest security weakness right now is phone-based, since it is fairly easy to get a sim card and lock someone out of their phone account. So I am a little concerned about the phone security stuff. The cyber risk depends on how you use your smart ph...
by VictoriaF
Fri Sep 14, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 175
Views: 9277

Re: How real is cyber risk?

We have accounts at Merrill, Vanguard, Fidelity, Nationwide and Schwab (brokerages, Roths, 457bs, 403bs) and are sprawled everywhere. I was thinking of condensing, to the extent it is possible but my wife thinks we are better not assuming the cyber risk of one firm. A technical term for your wife's...
by VictoriaF
Fri Sep 14, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5798

Re: Lab test prices - exasperating!

Hi Victoria and DM200, ...I am highly skeptical of supplements and vitamins as I think one should be able to get these by eating well. This is just my opinion. ...To each his own - I'm avoiding doctors, tests and billing problems .. for now. Lynette, My attitude towards supplements, herbs, and spic...
by VictoriaF
Fri Sep 14, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2850

Re: Do you use social media to enhance your travel experience?

Workarounds are fun. Workarounds are problem solving. Getting in trouble makes good stories. And no, I decidedly do not want to make it easier. When the absence of a smart phone makes things harder, it creates new challenges -- and I feel happy when I concur challenges. It's too late for me to beco...
by VictoriaF
Thu Sep 13, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2850

Re: Do you use social media to enhance your travel experience?

I have been strongly impacted by Cal Newport's work and hence do not participate in social media of any sort. I subscribe to Newport's deep work hypothesis, attention capital theory, and digital minimalism construct (these concepts are explained briefly in the link below). This has had an immensely...
by VictoriaF
Thu Sep 13, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2850

Re: Do you use social media to enhance your travel experience?

I don't consider it old-school. I consider it experience . I suppose the way you travel might be different than mine - but you might also start to find the world changing around you to make it more and more difficult to travel without a smart-phone. Many changes have already started to occur as fol...
by VictoriaF
Thu Sep 13, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs Buy for low-income retiree
Replies: 23
Views: 2000

Re: Rent vs Buy for low-income retiree

I am the OP. Thanks for so many good suggestions, but I'm making no headway with my sister. ... I am worried for her and for me, especially because she suggested that I buy a house with her. Right. The problem is not rent vs buy. The problems are: 1. whether you can convince your sister to make a p...
by VictoriaF
Thu Sep 13, 2018 2:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 146
Views: 42052

Re: Master thread for Washington DC Area Bogleheads

Thank you, Bob. See you Sunday,

Victoria
by VictoriaF
Thu Sep 13, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2850

Re: Do you use social media to enhance your travel experience?

During the first three years in retirement, I traveled the average of 120 days/year. In 2018, I will have just over 70 days. In 2019, I will go over 120 days because I will go again to el Camino de Santiago. When I travel in the U.S., I sometimes bring my cell phone (plain cell phone, NOT a smart p...
by VictoriaF
Thu Sep 13, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5798

Re: Lab test prices - exasperating!

At 74, I am fortunate to be fairly healthy and my 40-year experience of living in the USA has led me to believe that many of these tests/medicines are simply to avoid lawsuits for malpractice. So doctors make the patient do all of the tests ... just in case .. I was not born in the US and came from...
by VictoriaF
Thu Sep 13, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 57
Views: 1986

Re: Free credit freezes and un-freezes after Sep 21, 2018

An interesting twist to this good thing' , and what I also read in the comment on the linked blog article. It will become easier , to the crooks / ID thieves as well to place such freezes / unfreeze on our CR's - how will this be countered? Thoughts? This is a case, similar to creating your online ...
by VictoriaF
Thu Sep 13, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2492

Re: Anyone into Essential Oils?

CaliJim wrote:
Wed Sep 12, 2018 4:05 pm
I like to add Tea Tree Oil to my Dr Bronner's.
I buy Dr. Bronner's with tea-tree oil, "18-in-1 Hemp Tea Tree Pure-Castile Soap."

Victoria
by VictoriaF
Thu Sep 13, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2850

Re: Do you use social media to enhance your travel experience?

During the first three years in retirement, I traveled the average of 120 days/year. In 2018, I will have just over 70 days. In 2019, I will go over 120 days because I will go again to el Camino de Santiago. When I travel in the U.S., I sometimes bring my cell phone (plain cell phone, NOT a smart ph...
by VictoriaF
Wed Sep 12, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5798

Re: Lab test prices - exasperating!

I used this website once: www .lifeextension.com/Vitamins-Supplements/Blood-Tests/Blood-Tests +1 We *always* do our entire family annual tests (ie. purchase is April during Supersale, goto Quest/Labcorp inside next 6 months) there ... last time we purchased for everyone a 7-vial (..felt a bit faint...
by VictoriaF
Tue Sep 11, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 57
Views: 1986

Free credit freezes and un-freezes after Sep 21, 2018

My source is Brian Krebs: https://krebsonsecurity.com/2018/09/in-a-few-days-credit-freezes-will-be-fee-free/ Read his post and follow his links: - CFPB - guide to agencies collecting consumer information [PDF]: https://files.consumerfinance.gov/f/201604_cfpb_list-of-consumer-reporting-companies.pdf ...
by VictoriaF
Tue Sep 11, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6494

Re: Hurricane Florence - survival guide

Today is Microsoft's Patch Tuesday day. If you are using Microsoft, install the patch before the hurricane. After the hurricane you will have other priorities.

Victoria
by VictoriaF
Sat Sep 08, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8130

Re: Can Sneakers go with Business Casual?

samsoes wrote:
Sat Sep 08, 2018 8:52 pm
I've seen full-habit nuns wearing black sneakers.
The nuns' business is more forgiving.

Victoria
by VictoriaF
Sat Sep 08, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 125
Views: 13427

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

Wien, Austria. Das Musik. Center of Europe. I spent a few days in Vienna in May and it was fabulous. Excellent music everywhere. I hope to go back. I spent several months in Vienna while I was waiting for a permission to immigrate to the USA and have visited it several times afterwards. This winter...